Berea Insurance Rates:

Berea, KY homeowners insurance is roughly $650 to $885, about $54-$73/month. Our complete research reveals consumers can save upto $306 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Geico
Geico really cares about their customers well being. each time i call the rep calls me by my first name and not just ma'am.
Kentucky Farm Bureau
My agent and his staff are very friendly. they know and greet me by name when i am in the office. they are always eager to help and answer any questions.
Kentucky Farm Bureau
Kfb has by far the best prices. each year when it is time to renew, i shop around. kfb prices that i pay just cannot be beat.
State Farm
I don't use it as much, but for the most part, it seems to be fairly easy to use and understandable as well.
Travelers
I would like to say they communicate or interact pretty much on like other insurances. It is easy to reach them over the phone any time of the day.
Liberty Mutual
I got several quotes before I purAll Stated my home. Liberty Mutual was the cheapest by far. They are always very helpful and friendly, that's really what sets them apart from the rest.
Allstate
The coverage is pretty good. I have no complaints really. They do what they say they will do and for that I'm happy

Berea, KY Homeowners Insurance By Home Value

Berea, KY Home Value Total Homes % of Total Average Berea, KY Homeowners Insurance
Less than $50,000 811 13.0% $153
$50,000 to $59,999 246 4.0% $322
$60,000 to $69,999 285 4.0% $398
$70,000 to $79,999 202 3.0% $460
$80,000 to $89,999 293 5.0% $521
$90,000 to $99,999 229 3.0% $590
$100,000 to $124,999 971 16.0% $682
$125,000 to $149,999 836 14.0% $851
$150,000 to $174,999 808 13.0% $1004
$175,000 to $199,999 372 6.0% $1165
$200,000 to $249,999 536 9.0% $1395
$250,000 to $299,999 165 2.0% $1710

Top Home Insurance Agents Near Berea, KY

Home Insurance Company Near Berea, KY Homeowners Insurance Agency Near Berea, KY Address
NA Citizens Insurance Agency, Llc 210 E Main St Mount Vernon, Mount Vernon, KY, 40456
Travelers Jessamine County Insurance 134 EDGEWOOD PLAZA, NICOLASVILLE, KY, 40356
Travelers Kentucky Insurance Group Llc 989 GOVERNORS LN STE 350, LEXINGTON, KY, 40513
Liberty Mutual Independent Sullivan Insurance Agency 635 N BROADWAY, LEXINGTON, KY, 40508
Nationwide Turner Ins Group Llc 3320 Clays Mill Rd Suite 211, Lexington, KY, 40503

Cost Of Homeowners Insurance By Street Near Berea, KY

Streets in Berea Area Homeowners Insurance Cost
State Hwy 499, Old Big Hill Rd, Old Muddy Creek Rd, Dellwood Dr, Baldwin St, Angel Road Ct, Morning View Rd, Ellipse St, Dillon Ct, Moonlight Dr$770
Holly St, Delancey St, Kenway Ave, Burnell Dr, Locker St, Chestnut Ct, Lewis St, Estill St, State Hwy 1983, Richmond Rd N$767
George St, Melody St, Berenwood Ln, Beach Grove Rd, Breckwood Dr, Keith Dr, Baugh St, Davis, Pirate Pkwy, Angel Rd$755
Crooksville Rd, Long Hollow Rd, Melody Ct, Phillips St, S Powell Ave, Monday Ln, Ace Dr, Wilson St, Davis St, Owsley Fork Rd$766
Mitchell Rd, Slate Lick Rd, 2nd St, Cassius Ct, Christmas Ln, Saddle Wood Ct, Farris St, Walnut Creek Dr, Mataline Way, Heritage Dr$770

Berea, KY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Berea$114 to $117
Madison County$116
Richmond$117
Kirksville$118

Berea, KY Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Madison County, Kentucky $116 $155 $233
Richmond CCD, Madison County, Kentucky $118 $157 $236
Kirksville CCD, Madison County, Kentucky $118 $157 $236

Berea, KY Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Berea, KY6.1%21.2%
Madison County5.48%19.65%
Richmond5.48%18.17%
Kirksville4.99%19.92%

Berea Renters Insurance as a Percentage of Rent

Berea Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 99 3.0% $794
$300 to $499 351 12.0% $1244
$500 to $749 1,694 59.0% $1919
$750 to $999 579 20.0% $2669
$1,000 to $1,499 104 3.0% $3794

Berea, KY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,000$3,000
Yearly Berea Homeowner Insurance Premium Example $1,100$700
Out of Pocket Expense During Claim$1,000$3,000
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $9,800$8,600
Net Savings to Berea Home Owner from High Deductible Plan $1,200

Berea, KY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Berea, KY Home Replacement Value MORE than Home Value Berea, KY Home Replacement Value LESS than Home Value
Replacement Value $141,000 $91,500
Insurance Premium based on Replacement Value $825 $525
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $29,000 Risk Exposure from Under Insuring Coverage is $20,500
Premium Impact Insurance cheaper by $125/year Insurance costlier by $175/year

Example Berea Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Nationwide InsuranceAllstateChubb Group of Insurance
Monthly Premium 505881
Year Built 201419972007
Home Details 3 Beds, 2 Baths4 Beds, 1 Baths5 Beds, 4 Baths
Coverage Amount $100000-$125000$250000-$300000$175000-$200000
Deductible $500- $1000 Deductible> $10,000 Deductible$500 Deductible

Sample Home Insurance Rates for Berea, KY from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1983 100,000 Slate Shingles Roof 1,310 3 $500- $1000 Deductible 140 3 Stucco siding No
1983 255,000 Composition Roof 2,740 4 $500 Deductible 630 7 Fiber-Cement Siding No
1998 150,000 Slate Shingles Roof 1,960 4 $2500-$5000 Deductible 50 1 Wood siding yes
1984 125,000 Composition Roof 1,570 5 $500- $1000 Deductible 430 12 Stone Siding yes
2002 185,000 Shingles Roof 2,400 3 $500 Deductible 130 2 Stone Siding No
1992 105,000 Wood Shake Roof 1,410 3 $2500-$5000 Deductible 160 4 Brick siding yes
1990 115,000 Membrane Roof 1,400 3 $1000-$2500 Deductible 280 7 Wood siding yes
2014 185,000 Composition Roof 2,650 4 $500 Deductible 180 3 Brick siding yes
2003 255,000 Tile Roof 2,720 4 $500 Deductible 1260 12 Brick siding yes
1996 155,000 Slate Shingles Roof 1,660 3 $1000-$2500 Deductible 390 8 Fiber-Cement Siding yes
2011 155,000 Wood Shake Roof 1,640 4 $2500-$5000 Deductible 400 6 Stone Siding No
1982 150,000 Membrane Roof 1,630 4 $5000 to $10,000 Deductible 500 9 Stone Siding No
1980 330,000 Slate Shingles Roof 3,560 5 > $10,000 Deductible 130 2 Stone Siding No
1998 185,000 Asphalt Shingles Roof 2,730 4 $500- $1000 Deductible 170 3 Stucco siding yes
2014 180,000 Composition Roof 2,240 4 $500- $1000 Deductible 570 10 Stone Siding No
1986 135,000 Asphalt Shingles Roof 2,120 5 $1000-$2500 Deductible 160 3 Wood siding yes
2013 170,000 Metal Roof 1,760 3 $1000-$2500 Deductible 480 8 Vinyl siding No
2000 145,000 Composition Roof 1,620 4 $500- $1000 Deductible 460 7 Stucco siding yes
2007 165,000 Membrane Roof 1,890 5 $1000-$2500 Deductible 390 8 Fiber-Cement Siding yes
1986 130,000 Asphalt Shingles Roof 1,800 4 $1000-$2500 Deductible 190 5 Wood siding yes
2010 260,000 Composition Roof 3,450 5 $5000 to $10,000 Deductible 710 8 Wood siding yes
1984 285,000 Slate Shingles Roof 3,180 4 $5000 to $10,000 Deductible 480 7 Stone Siding No
1995 160,000 Composition Roof 2,170 4 $2500-$5000 Deductible 70 1 Stone Siding yes
2003 275,000 Composition Roof 3,750 5 $1000-$2500 Deductible 300 4 Stone Siding No
2004 130,000 Asphalt Shingles Roof 1,610 5 $2500-$5000 Deductible 370 10 Brick siding yes
1984 195,000 Wood Shake Roof 3,030 4 $2500-$5000 Deductible 170 3 Brick siding yes
2013 305,000 Shingles Roof 3,790 5 $500- $1000 Deductible 560 4 Vinyl siding No
1997 250,000 Composition Roof 3,900 5 $500 Deductible 970 9 Wood siding No
1996 335,000 Metal Roof 3,800 5 $1000-$2500 Deductible 540 4 Wood siding No
1982 355,000 Metal Roof 4,630 5 $5000 to $10,000 Deductible 900 12 Fiber-Cement Siding yes
2004 355,000 Slate Shingles Roof 5,000 5 $500- $1000 Deductible 590 6 Fiber-Cement Siding yes
2007 140,000 Metal Roof 1,800 3 $500 Deductible 110 2 Stucco siding No
1984 210,000 Tile Roof 2,430 4 $1000-$2500 Deductible 60 1 Stone Siding yes
1984 115,000 Shingles Roof 1,720 3 $500 Deductible 450 10 Brick siding yes